There's no need to be intimidated by the process of purchasing a home. Whether it is your first or your third, your friends at Centris Federal Credit Union will assist you every step of the way, from the pre-approval process to move-in day.

The best way to begin the home buying process is with a loan pre-approval. This step will help you determine how much house you can truly afford. Also, Centris is available to explain different types of home loans to you. Several types of mortgage loans exist to fit your needs. Fixed Rate Loans lock in your mortgage at a specific interest rate for steady payments. Next, there are Adjustable Rate Mortgages (ARMs). These allow for fluctuations of the interest rate over the lifetime of the loan. Finally, a Balloon Loan starts with lower monthly payments but requires a large single payment at the end of the loan. Centris will help you make the best loan type decision for you and your family.

Once you've got your loan and are ready to start shopping for a home, Centris recommends the use of a professional Realtor. They will advise you on key points such as proper offer pricing or potential problems with the property. Your Realtor can also assist in pinpointing the qualities you are looking for in a home such as school districts, areas of town or even the style of the home. In general, a professional Realtor will be your advocate throughout the home buying process.

Since buying a home is one of the single largest financial decisions you'll make, Centris offers a team of trustworthy experts, ready to walk you through each step, and to ensure you get your dream home. Whether you're looking for a mortgage, to save or invest your money, to borrow for something special, or to invest for your future, Centris always does their best to get you what you need. Plus, the security of knowing you are banking with one of Nebraska's largest credit unions, your trusted partner for over 75 years, is simply all part of the bargain.